Balance Transfer Credit Cards
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12 Card Offers
Advertiser Disclosure: The offers that appear on this site are from third party companies ("our partners") from which Experian Consumer Services receives compensation. This compensation may impact how, where, and in what order the products appear on this site. The offers on the site do not represent all available financial services, companies, or products.
Chase Slate Edge℠
Intro APR
0% Intro APR on Purchases and Balance Transfers for 18 months
Ongoing APR
19.74% - 28.49% Variable
Rewards
N/A*
Annual Fee
$0
Wells Fargo Reflect® Card
Intro APR
0% intro APR for 21 months from account opening on purchases and qualifying balance transfers
Ongoing APR
17.99% - 29.99% variable APR
Rewards
N/A*
Annual Fee
$0
Citi Rewards+® Card
Intro APR
0% for 15 months on Purchases and Balance Transfers
Ongoing APR
18.49% - 28.49% (Variable)
Rewards
Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases.
Earn 25,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $250 in gift cards at thankyou.com. Plus, for a limited time, earn 5 ThankYou® Points per $1 spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel℠ Portal through June 30, 2024.
Annual Fee
$0
Luxury Card™ Mastercard® Black Card™
Intro APR
0% for the first 15 billing cycles on balance transfers made in the first 45 days after account opening
Ongoing APR
19.99% Variable
Rewards
Earn one point for every dollar you spend. Redeem at 1.5% value for cash back; 2% value for airfare redemptions when redeeming through myluxurycard.com.
Annual Fee
$495
Citi Simplicity® Card
Intro APR
0% for 21 months on balance transfers and 12 months on purchases
Ongoing APR
18.99% - 29.74% (Variable)
Rewards
N/A*
Annual Fee
$0
Luxury Card™ Mastercard® Titanium Card™
Intro APR
0% for the first 15 billing cycles on balance transfers made in the first 45 days after account opening
Ongoing APR
19.99% Variable
Rewards
Earn one point for every dollar you spend. Redeem at 1% value for cash back; 2% value for airfare redemptions when redeeming through myluxurycard.com
Annual Fee
$195
Citi Custom Cash℠ Card
Intro APR
0% for 15 months on Purchases and Balance Transfers
Ongoing APR
18.99% - 28.99% (Variable)
Rewards
Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
Earn $200 in cash back after you spend $1500 on purchases in the first 6 months of account opening.
Annual Fee
$0
Citi® Diamond Preferred® Card
Intro APR
0% for 21 months on Balance Transfers and 12 months on Purchases
Ongoing APR
17.99% - 28.74% (Variable)
Rewards
N/A*
Annual Fee
$0
Wells Fargo Active Cash® Card
Intro APR
0% intro APR for 15 months from account opening on purchases and qualifying balance transfers
Ongoing APR
19.99%, 24.99%, or 29.99% variable APR
Rewards
Earn unlimited 2% cash rewards on purchases
Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months
Annual Fee
$0
Citi® Double Cash Card - 18 month BT offer
Intro bonus
N/A*
Rewards
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
Ongoing APR
18.99% - 28.99% (Variable)
Annual Fee
$0
Luxury Card™ Mastercard® Gold Card™
Intro APR
0% for the first 15 billing cycles on balance transfers made in the first 45 days after account opening
Ongoing APR
19.99% Variable
Rewards
Earn one point for every dollar you spend. Redeem at 2% value for cash back; 2% value for airfare redemptions when redeeming through myluxurycard.com
Annual Fee
$995
Discover it® Balance Transfer
Intro APR
0% Intro APR on Purchases for 6 months and 0% Intro APR on Balance Transfers for 18 months
Ongoing APR
16.99% - 27.99% Variable APR
Rewards
Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
Annual Fee
$0
Advertiser Disclosure: The offers that appear on this site are from third party companies ("our partners") from which Experian Consumer Services receives compensation. This compensation may impact how, where, and in what order the products appear on this site. The offers on the site do not represent all available financial services, companies, or products.
Credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any offer.
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Balance transfer credit card basics
How balance transfers work
Balance transfer credit cards can be a good way to consolidate credit card debt from multiple cards. Issuers will sometimes offer incentives to transfer balances from your old credit cards by offering a low or zero percent APR on the transferred amount for a limited period of time. This time period may vary based on the issuer and/or offer but typically can be 12 months or more.
Balance transfer fees
Balance transfer cards may have an upfront fee that can equal 3 percent or more of the total amount transferred. Sometimes the promotional rate is meant for a single balance transfer, and issuers may charge higher rates for balance transfers from additional credit cards. All of this information can be found in what is called a “Schumer box”, which contains a summary of costs of a credit card offer, such as “other APRs” where balance transfer information resides. Additional information to help you understand your costs can be found in this summary and within the terms and conditions.
Balance transfer impacts on your credit
Depending on your credit situation, a balance transfer could affect your credit. If you already have a high utilization rate, meaning your credit card balances are high compared to your credit limits, transferring the balance to a new card could affect your credit score. The addition of the new card may increase your total credit limit and decrease your overall utilization rate, but having a high utilization rate on a single credit card may still impact your credit.
Balance transfer considerations
- Your ability to pay: Considering the balance transfer cost, which is the fee percentage multiplied by the balance, and the length of the promotional APR, could be beneficial in helping you to budget. For example, if $5,000 is transferred with a 3% fee and the promotion was at 0% for 12 months, then in order to avoid any interest payments, you would have to be diligent enough to pay $429 every month. Any missed payment or balance after the promotional period would result at a higher APR, and could become costly.
- Financial goals: It may turn out that a balance transfer may not help your credit in the short term, but it could be a temporary trade-off. If your goal is to pay off the balance during the promotional period while the APR is low, then as your on-time payments continue and your balance decreases, your credit will start to improve.
- Avoiding more debt: After transferring a balance, you may consider not using the older card until your debt situation improves. You could close the older card to remove the temptation of racking up more debt, but in doing so, you may negatively impact your credit score, since you will reduce your total credit limit and raise your utilization rate. Also, if you had the card for a long time, you could be removing an account that was beneficial to your credit, since creditors like to see a longer and positive credit history. In deciding to close the account, you would have to weigh the possibility of accumulating more debt vs impacting your credit in the near-term. No matter what you choose, if you continue to pay down debt and pay on time, your credit could improve over time.
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Create and Match Now No thanks, I’ll apply now on the website.We’ve done the research so you don’t have to. Our technology works directly with financial institutions to match you to the offers from our partners that are right for you, which means you are more likely to qualify for the products that are Matched for You. Our list is more personalized than other sites because we review lender requirements before showing you offers. We find your best matches using things like your credit profile and your spending habits.